Posts tagged with "lending"

Construction Lending Fundamentals

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What every commercial lender should know about construction lending so new loan opportunities are not missed. This webinar will provide the basics so you will be prepared to discuss construction loans and understand the process. 

Important Takeaways for attendees:

  • Why dealing with experienced developers is so important.
  • Understanding the real repayment source and the obstacles to timely repayment.
  • Develop an understanding of Project Analysis including, land use, construction budgets, and disbursements and controls.
  • Exposure to basic documentation.

Pricing

$249 for Live and Playback*
*Playback has no expiration and may be shared internally

Dates of Event

Tuesday, April 24, 2018

  • 12:00 – 1:00 pm (Eastern Time)
  • 11:00 – 12:00 pm (Central Time)
  • 10:00 – 11:00 am (Mountain Time)
  • 9:00 – 10:00 am (Pacific Time)

Credits

  • 1.2 AAP Credits
  • 1.0 CPE Credits

Your Speaker(s)

Robert Dyck

PrincipalRobert Dyck Consulting

Robert Dyck Principal of Robert Dyck Consulting

About the Speaker

Robert Dyck has been a banking executive in Southern California for 36 years. For the last 12 years he served as Executive Vice President and Chief Credit Officer of PacWest Bancorp and its banking subsidiary Pacific Western Bank. During this time he managed the acquisition and merger of 20 bank loan portfolios and the blending of 20 different credit cultures. He started his career as a commercial loan officer. In addition, he has held positions that included managing credit training programs, directing loan review departments and he served as a senior credit administrator in several community and regional banks,

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Small Business Lending Fundamentals – (2-Part Series)

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Many banks are focusing on small business lending to grow loan volume and core deposits. To compete with marketplace lenders, banks are capitalizing on their traditional strengths in knowledge of the customer, local loan decisions and greater flexibility in underwriting, structure and pricing to create a compelling value proposition for the commercial borrower. To remain competitive banks must streamline their underwriting of small business loans.

Branch managers, relationship managers and small business lenders are expected to source small business lending opportunities and grow the relationship with the customer. Unfortunately, many of these individuals do not have the skills to identify good lending opportunities, talk intelligently with small business people about their business, or recommend appropriate bank lending products. Compounding the problem, many of these individuals do not know what information to request from the borrower to support the request nor can they identify potential problems with the application and discuss appropriate mitigants. Many do not know how to underwrite a loan request to determine if the prospective borrower is credit worthy.

This webinar will provide the participant with tools to:

  • Source better small business lending opportunities
  • Better match bank products and services to meet customer needs
  • More efficiently underwrite small business loans
  • Identify cross-sell opportunities
  • Add value to the customer relationship

Specific topics to be discussed include:

  • Prescreening the application
  • Determining financing needs in a small business and alternatives to meet those needs
  • Employing “30 Second” analysis to determine if the potential lending opportunity is one the bank should pursue
  • Analyzing corporate and personal tax returns
  • Assessing business and personal cash flow and the borrower’s ability to repay
  • Applying a series of decision rules to determine if a loan request meets basic bank underwriting guidelines
  • Evaluating the owner/management team
  • Applying the concepts in a case study

Pricing

$395 for Live and Playback*
*Playback has no expiration and may be shared internally

Dates of Event

(Pt 1) Wednesday, March 7, 2018

  • 12:00 – 1:30 pm (Eastern Time)
  • 11:00 – 12:30 pm (Central Time)
  • 10:00 – 11:30 am (Mountain Time)
  • 9:00 – 10:30 0m (Pacific Time)

(Pt 2) Wednesday, March 7, 2018

  • 2:00 – 3:30 pm (Eastern Time)
  • 1:00 – 2:30 pm (Central Time)
  • 12:00 – 1:30 pm (Mountain Time)
  • 11:00 – 12:30 pm (Pacific Time)

Credits

  • 3.6 AAP Credits
  • 3.0 CPE Credits

Your Speaker

John Barrickman
President – New Horizons Financial Group

John Barrickman

 

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Construction Lending Fundamentals

Register Now

What every commercial lender should know about construction lending so new loan opportunities are not missed. This webinar will provide the basics so you will be prepared to discuss construction loans and understand the process. 

Important Takeaways for attendees:

  • Why dealing with experienced developers is so important.
  • Understanding the real repayment source and the obstacles to timely repayment.
  • Develop an understanding of Project Analysis including, land use, construction budgets, and disbursements and controls.
  • Exposure to basic documentation.

Pricing

$249 for Live and Playback*
*Playback has no expiration and may be shared internally

Dates of Event

Thursday, January 25, 2018

  • 2:00 – 3:00 pm (Eastern Time)
  • 1:00 – 2:00 pm (Central Time)
  • 12:00 – 1:00 pm (Mountain Time)
  • 11:00 – 12:00 pm (Pacific Time)

Credits

  • 1.2 AAP Credits
  • 1.0 CPE Credits

Your Speaker(s)

Robert Dyck

PrincipalRobert Dyck Consulting

Robert Dyck Principal of Robert Dyck Consulting

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Commercial Lending Basics (2-Part Series)

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To effectively analyze a potential or continuing lending opportunity, a lender or credit analyst must understand how a business operates, how financing needs arise in the business and what borrowers and accountants are trying to quantify with financial statements and tax returns.

This banking webinar will address the following topics:

  • How a business operates
    • Operating Cycle
    • Fixed Asset Cycle
    • Profit Cycle
    • Cash Cycle
  • How financing needs arise in a business and appropriate loan products to meet those needs
    • Line of Credit
    • Term Loan
    • Revolving Debt
    • Bridge Loan
  • Organizational structures and types of financial information presented by borrowers
    • Sole Proprietorship
    • Partnership
    • Corporation
    • Limited Liability Company (LLC)
  • Key accounting conventions underlying the presentation of the financial statements
    • Revenue Recognition
    • Inventory Valuation
    • Depreciation
    • Expense Recognition
    • Taxes

Pricing

$395 for Live and Playback*
*Playback has no expiration and may be shared internally

Dates of Event

(Pt. 1) Tuesday, January 9, 2018

  • 12:00 – 1:30 pm (Eastern Time)
  • 11:00 – 12:30 pm (Central Time)
  • 10:00 – 11:30 am (Mountain Time)
  • 9:00 – 10:30 am (Pacific Time)

(Pt. 2) Tuesday, January 9, 2018

  • 2:00 – 3:30 pm (Eastern Time)
  • 1:00 – 2:30 pm (Central Time)
  • 12:00 – 1:30 pm (Mountain Time)
  • 11:00 – 12:30 pm (Pacific Time)

Credits

  • 3.6 AAP Credits
  • 3.0 CPE Credits

Your Speaker

John Barrickman
President, New Horizons Financial Group

John Barrickman

Register Now Manual Invoice

Construction Lending Fundamentals

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What every commercial lender should know about construction lending so new loan opportunities are not missed. This webinar will provide the basics so you will be prepared to discuss construction loans and understand the process. 

Important Takeaways for attendees:

  • Why dealing with experienced developers is so important.
  • Understanding the real repayment source and the obstacles to timely repayment.
  • Develop an understanding of Project Analysis including, land use, construction budgets, and disbursements and controls.
  • Exposure to basic documentation.

Pricing

$249 for Live and Playback*
*Playback has no expiration and may be shared internally

Dates of Event

Thursday, September 28, 2017

  • 2:00 – 3:00 pm (Eastern Time)
  • 1:00 – 2:00 pm (Central Time)
  • 12:00 – 1:00 pm (Mountain Time)
  • 11:00 – 12:00 pm (Pacific Time)

Credits

  • 1.2 AAP Credits
  • 1.0 CPE Credits

Your Speaker(s)

Robert Dyck

PrincipalRobert Dyck Consulting

Robert Dyck Principal of Robert Dyck Consulting

Buy Playback Now Pay by Check

Small Business Lending Fundamentals – (2-part Series)

Register Now

Many banks are focusing on small business lending to grow loan volume and core deposits. To compete with marketplace lenders, banks are capitalizing on their traditional strengths in knowledge of the customer, local loan decisions and greater flexibility in underwriting, structure and pricing to create a compelling value proposition for the commercial borrower. To remain competitive banks must streamline their underwriting of small business loans.

Branch managers, relationship managers and small business lenders are expected to source small business lending opportunities and grow the relationship with the customer. Unfortunately, many of these individuals do not have the skills to identify good lending opportunities, talk intelligently with small business people about their business, or recommend appropriate bank lending products. Compounding the problem, many of these individuals do not know what information to request from the borrower to support the request nor can they identify potential problems with the application and discuss appropriate mitigants. Many do not know how to underwrite a loan request to determine if the prospective borrower is credit worthy.

This webinar will provide the participant with tools to:

  • Source better small business lending opportunities
  • Better match bank products and services to meet customer needs
  • More efficiently underwrite small business loans
  • Identify cross-sell opportunities
  • Add value to the customer relationship

Specific topics to be discussed include:

  • Prescreening the application
  • Determining financing needs in a small business and alternatives to meet those needs
  • Employing “30 Second” analysis to determine if the potential lending opportunity is one the bank should pursue
  • Analyzing corporate and personal tax returns
  • Assessing business and personal cash flow and the borrower’s ability to repay
  • Applying a series of decision rules to determine if a loan request meets basic bank underwriting guidelines
  • Evaluating the owner/management team
  • Applying the concepts in a case study

Pricing

$395 for Live and Playback*
*Playback has no expiration and may be shared internally

Dates of Event

(Pt 1) Monday, September 18, 2017

  • 12:00 – 1:30 pm (Eastern Time)
  • 11:00 – 12:30 pm (Central Time)
  • 10:00 – 11:30 am (Mountain Time)
  • 9:00 – 10:30 0m (Pacific Time)

(Pt 2) Monday, September 18, 2017

  • 2:00 – 3:30 pm (Eastern Time)
  • 1:00 – 2:30 pm (Central Time)
  • 12:00 – 1:30 pm (Mountain Time)
  • 11:00 – 12:30 pm (Pacific Time)

Credits

  • 3.6 AAP Credits
  • 3.0 CPE Credits

Your Speaker

John Barrickman
President – New Horizons Financial Group

John Barrickman

 

Register Now Manual Invoice

 

Effectively Documenting Your Lending Policy

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The loan policy is the vehicle employed by the board of directors to outline the institution’s risk appetite, risk tolerance, lending philosophy and approach to lending. It is the strategic plan for the lending function. Key to developing an effective loan policy is involving individuals at all levels of the organization.
This webinar will focus on the following topics:

  • Framework for developing an effective loan policy
  • Characteristics of a well written loan policy
  • Key components of a comprehensive policy
  • Issues to be addressed in developing the policy

Pricing

$249 for Webinar and Playback*
*Playback has no expiration and may be shared internally

Dates of Event

Thursday, August 10, 2017

  • 2:00 – 3:30 pm (Eastern Time)
  • 1:00 – 2:30 pm (Central Time)
  • 12:00 – 1:30 pm (Mountain Time)
  • 11:00 – 12:30 pm (Pacific Time)

Credits

  • 1.8 AAP Credits
  • 1.5 CPE Credits

Your Speaker

John Barrickman
President, New Horizons Financial Group

John Barrickman

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2-Part Series – Loan Structuring Fundamentals

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Good underwriting is critical to the success of a loan, but so is good loan structure. In a well-structured loan…

  • The lender understands what the borrower is using the money for.
  • The lender has identified multiple sources of repayment.
  • He or she has loaned the borrower enough money, but not too much and given the borrower enough time, but not too long.
  • The lender has carefully analyzed collateral and established an appropriate advance rate.
  • The lender has put in place a framework for monitoring the lending relationship.
  • He or she has properly documented the loan and attached and perfected the bank’s interest in the collateral.
  • Most importantly, the lender has established a level of expectations with the borrower about financial reporting, financial performance and repayment of the debt.

After completing this 2-part course, participants will be able to:

  • Identify the elements of loan structure
  • Properly utilize seasonal loans, term loans, bridge loans and permanent capital loans
  • Integrate six elements of a properly structured loan
  • Answer common loan structure questions
  • Evaluate collateral and guarantors
  • Utilize key covenants in a loan agreement

Pricing

$395 for Webinar and Playback*
*Playback has no expiration and may be shared internally

Dates of Event

(Pt. 1) Wednesday, July 12th, 2017

  • 12:00 – 1:30 pm (Eastern Time)
  • 11:00 – 12:30 pm (Central Time)
  • 10:00 – 11:30 am (Mountain Time)
  • 9:00 – 10:30 am (Pacific Time)

(Pt. 2) Wednesday, July 12th, 2017

  • 2:00 – 3:30 pm (Eastern Time)
  • 1:00 – 2:30 pm (Central Time)
  • 12:00 – 1:30 pm (Mountain Time)
  • 11:00 – 12:30 pm (Pacific Time)

Credits

  • 3.6 AAP Credits
  • 3.0 CPE Credits

Your Speaker

John Barrickman
President, New Horizons Financial Group

John Barrickman

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Credit Risk Management – Fundamentals and Techniques (2-part Series)

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This introduction to credit risk management is designed to show participants how to plan, organize, and execute credit risk management by emphasizing tools and techniques.

Topics covered include:

  • The role of credit risk among the enterprise risks
  • Identifying the bank’s credit culture and align it with the bank’s desired risk appetite and tolerance
    • Credit discipline tools
    • Desired corporate priority, credit risk strategy, degree of risk management exercised, credit policy implemented
  • Identifying, managing, and monitoring transaction risk, intrinsic risk, and concentration risk in the bank’s credit exposure
    • Role of risk ratings in transaction risk management
    • Role of products and services in intrinsic risk management
    • Role of single entity, geography, industry, and underwriting in concentration risk management
  • Employing credit policy to support the bank’s credit policy and credit strategy
    • Components of credit policy
      • Credit information, analysis, and underwriting
      • Decision, approval, closing, booking, funding, and monitoring
    • Credit administration
      • Documentation, files, risk ratings, loan review, and audit
      • Approval authorities, pricing discipline
      • Monitoring asset quality, covenant compliance
  • Portfolio management
    • Credit strategies to maintain portfolio quality and profitability

These sessions will provide a legal and compliance perspective of a financial institutions responsibilities in gathering such documents during the account opening process. 

Pricing

$395 for Live and Playback*
*Playback has no expiration and may be shared internally

Date of Events

(Pt. 1) Wednesday, June 21, 2017

  • 3:00 – 4:00 pm (Eastern Time)
  • 2:00 – 3:00 pm (Central Time)
  • 1:00 – 2:00 pm (Mountain Time)
  • 12:00 – 1:00 pm (Pacific Time)

(Pt. 2) Thursday, June 22, 2017

  • 3:00 – 4:00 pm (Eastern Time)
  • 2:00 – 3:00 pm (Central Time)
  • 1:00 – 2:00 pm (Mountain Time)
  • 12:00 – 1:00 pm (Pacific Time)

Credits

  • 2.4 AAP Credits
  • 2.0 CPE Credits

Your Speaker

Dev Strischek

Sr Vice President – SunTrust Bank

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Credit Risk Management – Fundamentals and Techniques (2-part Series)

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This introduction to credit risk management is designed to show participants how to plan, organize, and execute credit risk management by emphasizing tools and techniques.

Topics covered include:

  • The role of credit risk among the enterprise risks
  • Identifying the bank’s credit culture and align it with the bank’s desired risk appetite and tolerance
    • Credit discipline tools
    • Desired corporate priority, credit risk strategy, degree of risk management exercised, credit policy implemented
  • Identifying, managing, and monitoring transaction risk, intrinsic risk, and concentration risk in the bank’s credit exposure
    • Role of risk ratings in transaction risk management
    • Role of products and services in intrinsic risk management
    • Role of single entity, geography, industry, and underwriting in concentration risk management
  • Employing credit policy to support the bank’s credit policy and credit strategy
    • Components of credit policy
      • Credit information, analysis, and underwriting
      • Decision, approval, closing, booking, funding, and monitoring
    • Credit administration
      • Documentation, files, risk ratings, loan review, and audit
      • Approval authorities, pricing discipline
      • Monitoring asset quality, covenant compliance
  • Portfolio management
    • Credit strategies to maintain portfolio quality and profitability

These sessions will provide a legal and compliance perspective of a financial institutions responsibilities in gathering such documents during the account opening process. 

Pricing

$395 for Live and Playback*
*Playback has no expiration and may be shared internally

Date of Events

(Pt. 1) Wednesday, June 21, 2017

  • 3:00 – 4:00 pm (Eastern Time)
  • 2:00 – 3:00 pm (Central Time)
  • 1:00 – 2:00 pm (Mountain Time)
  • 12:00 – 1:00 pm (Pacific Time)

(Pt. 2) Thursday, June 22, 2017

  • 3:00 – 4:00 pm (Eastern Time)
  • 2:00 – 3:00 pm (Central Time)
  • 1:00 – 2:00 pm (Mountain Time)
  • 12:00 – 1:00 pm (Pacific Time)

Credits

  • 2.4 AAP Credits
  • 2.0 CPE Credits

Your Speaker

Dev Strischek

Sr Vice President – SunTrust Bank

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